The best way to keep your health insurance costs down, besides being young, is to do a bit of planning and investigation. Consider these inputs for making your choice:
Shop around for health plans that are consistent and cost efficient with your lifestyle. Customize your health insurance policy by removing unnecessary options for coverage such as vision, mental, dental or choose a policy that does not include unnecessary treatment facilities. Ensure that your cover includes costs and expenses on blood, oxygen, Operation Theater appliances, X-rays, dialysis, chemotherapy, medicines and drugs etc. The point is to look for what you must have.
A single person in perfect health in his mid-30ís might choose a plan with a higher copay or co-insurance and lower premiums, whereas a married couple wanting to start a family might do better with higher premiums but more extensive coverage. In some cases, prescription benefits might be the most important.
You can also switch to emergency medical health insurance policy and save a substantial amount on your health insurance premiums. This policy allows you to use your self-insurance to pay for your doctor visits and minor medical procedures and your emergency health insurance will be there as a safety net if a substantial medical emergency arises.
Find the best deal available and prefer to buy your policy online.Companies in market are offering up-to-the-minute medical insurance with various add on facilities such as a free health check-up coupon, zero interest EMI facility etc.
Health insurance plans can also be used as tax saving instrument under Section 80 D of the Income Tax Act, 1961.
Avail cashless facility at hospitals of your choice to ease the load on your pocket at the time of illness.
You can buy insurance plans offered by insurance companies in India through our website, while receiving very competitive quotes from qualified and IRDA registered Insurance Agents.